There’s a £1 monthly fee to maintain the account. We take it from your account automatically each month.

The Fee Information Document details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary

The Arranged Overdraft Usage fee will depend on the amount you use.

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

We have other borrowing options, such as credit cards, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options

There are other charges with this account, such as when you use your card abroad. Please refer to the Terms and Conditions for details.

If you try to make a payment that would take you into an Unarranged Overdraft, we'll decide whether or not to pay it depending on your circumstances.

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.

You can earn 1-3% cashback on selected household bills paid by Direct Debit every month. Cashback is paid monthly.

Find out which suppliers you can earn cashback with as well as other exclusions. 

You are over 18 and live in the UK permanently.

24/7 banking on all your devices. You can set up personalised account alerts and amend your statement settings once the account has been open for at least 24 hours.

• Online Banking
• Mobile Banking app
• register to receive mobile-to-mobile payments with Paym
• contactless payments with your mobile by linking your Santander debit or credit card to your Apple, Android or Samsung device.

Face-to-face support in branch and UK-based telephone support.

• In branch
• Telephone Banking
• ATM
• Post Office

We'll send you alerts about your balance and payments to help you avoid using an unarranged overdraft. You can manage your alert settings through Online Banking, calling us on 0800 9 123 123 or visiting a branch.

Keep your banking details private and secure.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre

Your documents, statements and some of your letters will be sent as an e-Document to your secure inbox on Online Banking (unless you require documents in an alternative format, such as braille)

To open the account, you'll need to provide us with an email address as you’ll receive an email when a document is ready to view.

Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post. You will still be able to earn cashback as long as you continue to meet the eligibility criteria.

This account doesn’t pay interest.

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